By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.
Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
Check Which? insurance ratings and compare deals using the service provided by Confused.com
Get a quoteIn this article
Why you can trust our travel insurance reviews
Expert analysis
We examine 120 areas of cover across hundreds of policies, from medical expenses to cancellation cover and protection if luggage goes missing.
Best Buys
To pick Best Buy policies we also use claims and complaints data from the Financial Conduct Authority and Financial Ombudsman Service.
We've also written comprehensive reviews of the best and biggest insurers – just click on the links in the table to read them.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular T&Cs of an insurer before committing to any financial products.
| Get a quote | ||||||||
|---|---|---|---|---|---|---|---|---|
best buy | Plus - Annual Multi-Trip | 82% | Verisk | £20m | £20,000 | £10,000 | Collinson Insurance Services Ltd | Check you're getting a great deal on travel insurance using the service provided by Confused Compare travel insurance deals *Some policies may not be available on confused.com - see our insurer review pages for more information |
best buy | Plus - Single Trip | 81% | Verisk | £15m | £40,000 | £7,500 | Collinson Insurance Services Ltd | |
best buy | Flex Plus | 79% | Verisk | £10m | £5,000 | £1,500 | Charles Taylor Assistance | |
best buy | Travel Pack / Barclays Travel Plus Pack | 79% | Verisk | £10m | £10,000 | £1,500 | Charles Taylor Assistance | |
| Travel Insurance | 78% | Verisk | £10m | £5,000 | £2,000 | Charles Taylor Assistance | ||
best buy | Standard - Annual Multi-Trip | 77% | Verisk | £10m | £10,000 | £5,000 | Collinson Insurance Services Ltd | |
Leisure Guard Direct | Premier Plus | 76% | Verisk | £15m | £7,500 | £3,000 | Inter Partner Assistance S.A. (travel), Astrenska Ltd (gadget) | |
Tesco Personal Finance | Premier | 75% | Verisk | Unlimited | £10,000 | £3,000 | Allianz and Taurus | |
best buy | Standard - Single Trip | 75% | Verisk | £5m | £5,000 | £3,000 | Collinson Insurance Services Ltd | |
Tesco Personal Finance | Backpacker - Premier | 75% | Verisk | £20m | £10,000 | £3,000 | Allianz and Taurus | |
best buy | Platinum | 74% | Antidote | £10m | £10,000 | £5,000 | Claims Settlement Agencies Limited | |
Travel Insurance Saver | Backpacker Gold | 72% | Verisk | £20m | £6,000 | £3,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Leisure Guard Flexi | Gold | 71% | Verisk | £15m | £5,000 | £2,000 | Inter Partner Assistance S.A. (travel), Astrenska Ltd (gadget) | |
| Platinum | 71% | Verisk | £20m | £5,000 | £3,000 | CEGA | ||
Travel Insurance Saver | Gold | 71% | Verisk | £10m | £4,000 | £3,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Leisure Guard Direct | Premier | 70% | Verisk | £15m | £5,000 | £2,000 | Inter Partner Assistance S.A. (travel), Astrenska Ltd (gadget) | |
best buy | Platinum | 70% | Verisk | Unlimited | £7,500 | £4,000 | Gallagher Bassett, World Travel Protection (medical) | |
best buy | Platinum | 70% | Verisk | Unlimited | £15,000 | £5,000 | Gallagher Bassett | |
Tesco Personal Finance | Gold | 70% | Verisk | £20m | £5,000 | £3,000 | Allianz and Taurus | |
Travel Insurance Saver | Gold (Aggregator) | 70% | Verisk | £10m | £4,000 | £3,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
best buy | Gold | 70% | Antidote | £10m | £5,500 | £3,000 | Claims Settlement Agencies Ltd | |
best buy | Platinum | 70% | Protectif | £10m | £7,500 | £5,000 | Collinson Insurance Services Ltd | |
Cedar Tree | Platinum | 70% | Verisk | £15m | £25,000 | £3,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Insure & Escape | First | 69% | Verisk | £10m | £25,000 | £3,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
NatWest | Black Account Travel Insurance | 69% | Verisk | £10m | £10,000 | £2,500 | AWP P&C SA | |
Halifax | Ultimate Reward Account Travel Insurance | 69% | Verisk | £10m | £5,000 | £2,500 | HealthHero Solutions Ltd (medical), Sedgwick International UK (financial failure) | |
Leisure Guard Flexi | Silver | 69% | Verisk | £15m | £2,500 | £1,000 | Inter Partner Assistance S.A. (travel), Astrenska Ltd (gadget) | |
CoverForYou | Platinum | 69% | Verisk | £15m | £25,000 | £3,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Axa | Gold | 69% | Verisk | £15m | £5,000 | £3,000 | Axa | |
RBS | Black Account Travel Insurance | 68% | Verisk | £10m | £10,000 | £2,500 | AWP P&C SA | |
best buy | Diamond | 68% | Verisk | £10m | £5,000 | £4,000 | Collinson Insurance Services Ltd | |
Travel Insurance Saver | Silver | 68% | Verisk | £10m | £2,500 | £2,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
| Gold | 68% | Verisk | £15m | £3,000 | £2,000 | CEGA | ||
best buy | Platinum | 68% | Protectif | £10m | £5,000 | £3,000 | Collinson Insurance Services Ltd | |
best buy | Gold | 68% | Verisk | £10m | £10,000 | £3,000 | Healix International (medical), Sedgwick (claims) | |
best buy | Gold Plus | 68% | Verisk | £15m | £15,000 | £2,500 | Gallagher Bassett | |
Tesco Personal Finance | Standard | 67% | Verisk | Unlimited | £5,000 | £2,000 | Allianz and Taurus | |
NatWest | Silver Account Travel Insurance | 67% | Verisk | £10m | £5,000 | £1,500 | AWP P&C SA | |
NatWest | Platinum Account Travel Insurance | 67% | Verisk | £10m | £5,000 | £1,500 | AWP P&C SA | |
RBS | Silver Account Travel Insurance | 67% | Verisk | £10m | £5,000 | £1,500 | AWP P&C SA | |
RBS | Platinum Account Travel Insurance | 67% | Verisk | £10m | £5,000 | £1,500 | AWP P&C SA | |
best buy | Black | 67% | Verisk | Unlimited | £10,000 | £3,000 | Gallagher Bassett | |
Explorer | Level 5 | 67% | Verisk | £10m | £10,000 | £3,000 | Gallagher Bassett (claims), International Medical Group (medical) | |
Travel Insurance Saver | Silver (Aggregator) | 67% | Verisk | £10m | £2,500 | £2,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Outbacker | Platinum | 67% | N/A | £15m | £5,000 | £3,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Leisure Guard Direct | Standard | 67% | Verisk | £15m | £1,500 | £1,000 | Inter Partner Assistance S.A. (travel), Astrenska Ltd (gadget) | |
| Essential - Single Trip | 66% | Verisk | £2m | £1,000 | £1,750 | Collinson Insurance Services Ltd | ||
best buy | Gold | 66% | Verisk | Unlimited | £5,000 | £3,000 | Gallagher Bassett, World Travel Protection (medical) | |
Travel Insurance Saver | Backpacker Silver | 66% | Verisk | £15m | £3,000 | £1,500 | Axa Assistance, The Oxford Claims Company (gadget) | |
Just Travel Cover: Fit 4 Travel | Gold | 66% | Verisk | £10m | £3,000 | £2,500 | White Horse, CEGA (medical) | |
Leisure Guard Flexi | Bronze | 66% | Verisk | £15m | £1,500 | £750 | Inter Partner Assistance S.A. (travel), Astrenska Ltd (gadget) | |
Post Office | Premier | 66% | Verisk | £15m | £5,000 | £3,000 | Collinson Insurance Services Ltd | |
best buy | Gold | 66% | Verisk | £15m | £5,000 | £2,500 | Columbus Direct | |
Axa | Silver | 65% | Verisk | £10m | £3,000 | £2,500 | Axa | |
CoverForYou | Gold | 65% | Verisk | £15m | £5,000 | £2,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Cedar Tree | Gold | 65% | Verisk | £15m | £5,000 | £2,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Great Cover | Platinum | 65% | Verisk | £20m | £5,000 | £3,000 | Gallagher Bassett | |
best buy | Gold | 65% | Verisk | £15m | £7,500 | £2,500 | Gallagher Bassett | |
Free Spirit | Super Duper | 65% | verisk | £10m | £6,000 | £3,000 | Roger Rich / Claims Consortium Group | |
Explorer | Level 4 | 65% | Verisk | £10m | £5,000 | £2,000 | Gallagher Bassett (claims), International Medical Group (medical) | |
best buy | Gold | 65% | Verisk | £10m | £2,000 | £2,000 | Gallagher Bassett | |
Outbacker | Gold | 65% | N/A | £15m | £5,000 | £3,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
best buy | Premier Plus | 65% | Protectif | £10m | £5,000 | £2,000 | Collinson Insurance Services Ltd | |
Insure & Escape | Premium | 64% | Verisk | £10m | £3,000 | £2,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
best buy | Silver | 64% | Verisk | £10m | £3,000 | £2,000 | Columbus Direct | |
best buy | Silver | 64% | Antidote | £5m | £2,000 | £1,500 | Claims Settlement Agencies Limited | |
Tesco Personal Finance | Economy | 64% | Verisk | Unlimited | £1,000 | £1,000 | Allianz and Taurus | |
best buy | Max | 64% | Verisk | £20m | £5,000 | £3,000 | IMG (International Medical Group) | |
Just Travel Cover: Select | Gold | 64% | Verisk | £10m | £4,000 | £2,000 | Healix International (medical), Sedgwick (claims) | |
Tesco Personal Finance | Silver | 64% | Verisk | £10m | £2,000 | £2,000 | Allianz and Taurus | |
TravelTime | Premier Plus | 64% | Verisk | £10m | £4,000 | £2,000 | International Medical Group (claims & assistance) | |
Just Travel Cover: Avion | Gold | 63% | Verisk | £10m | £12,500 | £3,000 | Gallagher Bassett (claims), International Medical Group (medical) | |
Tesco Personal Finance | Backpacker - Economy | 63% | Verisk | £10m | £1,000 | £1,000 | Allianz and Taurus | |
Alpha | Zero | 63% | Protectif | £10m | £1,250 | £1,500 | Collinson Insurance Services Ltd | |
| Premier | 63% | Protectif | £10m | £3,000 | £1,500 | Collinson Insurance Services Ltd | ||
| Silver | 63% | Verisk | £10m | £5,000 | £2,000 | Healix International (medical), Sedgwick (claims) | ||
Multitrip | Premier Plus | 63% | N/A | £20m | £5,000 | £3,500 | Gallagher Bassett | |
Axa | Bronze | 62% | Verisk | £10m | £1,000 | £1,000 | Axa | |
| Silver | 62% | Verisk | Unlimited | £2,500 | £2,000 | Gallagher Bassett, World Travel Protection (medical) | ||
ATI (Annual Travel Insurance) | Super Plus | 62% | Verisk | £20m | £5,000 | £3,500 | Gallagher Bassett | |
Post Office | Standard | 62% | Verisk | £10m | £3,000 | £2,000 | Collinson Insurance Services Ltd | |
Explorer | Level 3 | 62% | Verisk | £5m | £2,500 | £1,500 | Gallagher Bassett (claims), International Medical Group (medical) | |
Travel Plus | Travel Plus | 62% | N/A | £10m | £6,000 | £4,000 | Roger Rich / Claims Consortium Group | |
Just Travel Cover: Free 2 Travel | Gold | 62% | Verisk | £10m | £4,000 | £3,500 | Right Path, International Medical Group (medical) | |
Travel Insurance Saver | Bronze | 62% | Verisk | £10m | £1,250 | £1,500 | Axa Assistance, The Oxford Claims Company (gadget) | |
Alpha | Alpha 50 | 62% | Protectif | £10m | £1,250 | £1,500 | Collinson Insurance Services Ltd | |
World First | Premier | 62% | Protectif | £10m | £5,000 | £2,000 | Collinson Insurance Services Ltd | |
CoverForYou | Silver | 61% | Verisk | £15m | £2,000 | £1,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Insure & Escape | Economy | 61% | Verisk | £10m | £1,500 | £1,250 | Axa Assistance, The Oxford Claims Company (gadget) | |
| Sapphire | 61% | Protectif | £10m | £3,000 | £2,000 | Collinson Insurance Services Ltd | ||
World First | Standard | 61% | Protectif | £10m | £3,000 | £1,500 | Collinson Insurance Services Ltd | |
TravelTime | Premier | 61% | Verisk | £8m | £2,000 | £1,000 | International Medical Group (claims & assistance) | |
Travel Insurance Saver | Bronze (Aggregator) | 61% | Verisk | £10m | £1,250 | £1,500 | Axa Assistance, The Oxford Claims Company (gadget) | |
Free Spirit | Super | 60% | verisk | 7.£5m | £3,000 | £2,000 | Roger Rich / Claims Consortium Group | |
| Gold | 60% | Verisk | 7.£5m | £5,000 | £1,500 | Collinson Insurance Services Ltd | ||
Outbacker | Silver | 60% | N/A | £15m | £2,000 | £1,500 | Axa Assistance, The Oxford Claims Company (gadget) | |
Alpha | Alpha 75 | 60% | Protectif | £10m | £1,250 | £1,500 | Collinson Insurance Services Ltd | |
| Pro | 60% | Verisk | £15m | £2,500 | £2,000 | IMG (International Medical Group) | ||
World First | Classic | 60% | Protectif | £10m | £2,000 | £1,000 | Collinson Insurance Services Ltd | |
Explorer | Level 2 | 60% | Verisk | £2m | £1,500 | £1,000 | Gallagher Bassett (claims), International Medical Group (medical) | |
Alpha | Alpha 100 | 60% | Protectif | £10m | £1,250 | £1,500 | Collinson Insurance Services Ltd | |
| Silver | 60% | Verisk | £10m | £5,000 | £2,000 | Gallagher Bassett | ||
Just Travel Cover: Select | Silver | 60% | Verisk | £10m | £2,000 | £1,000 | Healix International (medical), Sedgwick (claims) | |
World First | Backpacker Gold | 60% | Protectif | £10m | £4,000 | £2,000 | Collinson Insurance Services Ltd | |
Just Travel Cover: Free 2 Travel | Silver | 60% | Verisk | £10m | £2,500 | £2,500 | Right Path, International Medical Group (medical) | |
Travel Insurance Saver | Backpacker Bronze | 60% | Verisk | £10m | £1,500 | £1,000 | Axa Assistance, The Oxford Claims Company (gadget) | |
Just Travel Cover: Good2Go Extra | Gold | 59% | Verisk | £10m | £5,000 | £3,000 | Global Response | |
Cedar Tree | Silver | 59% | Verisk | £15m | £3,000 | £1,500 | Axa Assistance, The Oxford Claims Company (gadget) | |
Just Travel Cover: Fit 4 Travel | Silver | 59% | Verisk | £10m | £2,000 | £1,500 | White Horse, CEGA (medical) | |
| Bronze | 59% | Verisk | £10m | £1,250 | £1,000 | Healix International (medical), Sedgwick (claims) | ||
| Bronze | 59% | Verisk | £5m | £500 | £500 | Columbus Direct | ||
Explorer | Level 1 | 59% | Verisk | £2m | £750 | £500 | Gallagher Bassett (claims), International Medical Group (medical) | |
Tesco Personal Finance | Bronze | 59% | Verisk | £10m | £1,000 | £1,000 | Allianz and Taurus | |
Alpha | Alpha 150 | 59% | Protectif | £10m | £1,250 | £1,500 | Collinson Insurance Services Ltd | |
Elect | Platinum | 59% | N/A | £10m | £3,000 | £2,000 | Gallagher Bassett, | |
ATI (Annual Travel Insurance) | Super | 59% | Verisk | £20m | £3,000 | £2,000 | Gallagher Bassett | |
World First | Backpacker Silver | 59% | Protectif | £10m | £2,000 | £1,000 | Collinson Insurance Services Ltd | |
Lloyds Bank | Platinum Travel Insurance | 59% | Verisk | £10m | £5,000 | £2,500 | HealthHero Solutions Ltd (medical), Sedgwick International UK (financial failure) | |
Bank of Scotland | Platinum Travel Insurance | 59% | Verisk | £10m | £5,000 | £2,500 | HealthHero Solutions Ltd (medical), Sedgwick International UK (financial failure) | |
Just Travel Cover: Cover4Insurance | Gold | 58% | Verisk | £10m | £5,000 | £2,500 | Right Path, Global Response (medical) | |
| Emerald | 58% | Protectif | £10m | £1,000 | £1,000 | Collinson Insurance Services Ltd | ||
| Backpackers Max | 58% | N/A | £10m | £2,500 | £2,000 | IMG (International Medical Group) | ||
| Backpackers Core | 58% | N/A | £10m | £2,500 | £2,000 | IMG (International Medical Group) | ||
Travel Insurance 4 Medical | Superior | 58% | Verisk | £10m | £5,000 | £1,500 | CEGA, The Oxford Claims Company (gadget) | |
| Standard | 58% | Protectif | £5m | £1,500 | £1,000 | Collinson Insurance Services Ltd | ||
Just Travel Cover: Avion | Silver | 58% | Verisk | £10m | £5,000 | £2,000 | Gallagher Bassett (claims), International Medical Group (medical) | |
TravelTime | Economy | 58% | Verisk | £5m | £1,000 | £500 | International Medical Group (claims & assistance) | |
| Silver | 58% | Verisk | £5m | £1,000 | £1,000 | Collinson Insurance Services Ltd | ||
Lloyds Bank | Silver Travel Insurance | 57% | Verisk | £10m | £5,000 | £2,500 | HealthHero Solutions Ltd (medical), Sedgwick International UK (financial failure) | |
Bank of Scotland | Silver Travel Insurance | 57% | Verisk | £10m | £5,000 | £2,500 | HealthHero Solutions Ltd (medical), Sedgwick International UK (financial failure) | |
Travel Insurance 4 Medical | Standard | 57% | Verisk | £5m | £3,000 | £1,500 | CEGA, The Oxford Claims Company (gadget) | |
Multitrip | Premier | 57% | N/A | £20m | £3,000 | £2,000 | Gallagher Bassett | |
World First | Economy | 56% | Protectif | £10m | £750 | £500 | Collinson Insurance | |
| Admiral | 56% | Verisk | £10m | £1,500 | £1,000 | CEGA | ||
Just Travel Cover: Cover4Insurance | Silver | 56% | Verisk | £10m | £3,000 | £2,000 | Right Path, Global Response (medical) | |
Travel Insurance 4 Medical | Backpacker Extra | 56% | Verisk | £10m | £3,000 | £1,500 | CEGA, The Oxford Claims Company (gadget) | |
Just Travel Cover: Free 2 Travel | Bronze | 56% | Verisk | £10m | £1,500 | £1,500 | Right Path, International Medical Group (medical) | |
Just Travel Cover: Fit 4 Travel | Bronze | 56% | Verisk | £5m | £1,000 | £750 | White Horse, CEGA (medical) | |
World First | Backpacker Bronze | 56% | Protectif | £10m | £750 | £500 | Collinson Insurance Services Ltd | |
| Core | 55% | Verisk | £10m | £1,000 | £1,000 | IMG (International Medical Group) | ||
Elect | Gold | 55% | Verisk | £10m | £2,000 | £1,500 | Gallagher Bassett | |
Travel Insurance 4 Medical | Backpacker | 55% | Verisk | £5m | £2,000 | £1,000 | CEGA, The Oxford Claims Company (gadget) | |
| Bronze | 54% | Verisk | Unlimited | £1,000 | £1,000 | Gallagher Bassett, World Travel Protection (medical) | ||
Just Travel Cover: Good2Go Extra | Silver | 54% | Verisk | £10m | £2,000 | £2,000 | Global Response | |
Just Travel Cover: Avion | Bronze | 54% | Verisk | £10m | £1,000 | £1,000 | Gallagher Bassett (claims), International Medical Group (medical) | |
ATI (Annual Travel Insurance) | Economy | 54% | Verisk | £20m | £1,000 | £1,500 | Gallagher Bassett | |
Great Cover | Gold | 54% | Verisk | £20m | £2,500 | £1,500 | Gallagher Bassett | |
| Budget | 53% | Verisk | £5m | £1,000 | £1,000 | Gallagher Bassett | ||
Just Travel Cover: Cover4Insurance | Bronze | 53% | Verisk | £5m | £1,500 | £1,500 | Right Path, Global Response (medical) | |
Travel Insurance 4 Medical | Economy Extra | 53% | Verisk | £3m | £1,500 | £750 | CEGA, The Oxford Claims Company (gadget) | |
Free Spirit | Standard | 52% | verisk | £5m | £1,000 | £1,000 | Roger Rich / Claims Consortium Group | |
Post Office | Economy | 52% | Verisk | £5m | £1,000 | £1,500 | Collinson Insurance Services Ltd | |
Multitrip | Essential | 52% | N/A | £20m | £1,000 | £1,600 | Gallagher Bassett | |
Elect | Silver | 52% | Verisk | £8m | £1,000 | £750 | Gallagher Bassett | |
TopDog | Sable | 52% | Verisk | £5m | £5,000 | £5,000 | IMG (International Medical Group) | |
Travel Insurance 4 Medical | Backpacker Lite | 51% | Verisk | £3m | £1,000 | £750 | CEGA, The Oxford Claims Company (gadget) | |
TopDog | Brindle | 49% | Verisk | £5m | £2,500 | £3,000 | IMG (International Medical Group) | |
TopDog | Merle | 45% | Verisk | £5m | £1,000 | £1,500 | IMG (International Medical Group) | |
Just Travel Cover: Select | Bronze | 26% | Verisk | £10m | Not covered | Not covered | Healix International (medical), Sedgwick (claims) | |
Just Travel Cover: Good2Go Extra | Bronze | 21% | Verisk | £10m | Not covered | Not covered | Global Response |
Table note: All ratings are for policies available to new customers, and the details were gathered in a survey carried out in March/April 2026. The information should be considered correct to that date. We will next update our policy scores in May 2027. See our full methodology. This table has been updated in May 2026.
If a brand isn't listed in the table, it means it didn't take part in our survey and hasn't been reviewed.
We rated 23 policies as Best Buys – here are the four highest scorers:
The provider has no maximum age limits for new customers, and offers some of the highest levels of cover for those heading off on very expensive trips: up to £20,000 cancellation cover and £10,000 for baggage and valuables.
82%
out of 160 travel insurance policies rated
Nationwide's travel insurance, part of its packaged bank account, covers you, your partner (if they live with you) and dependents aged under 23. If you've booked a trip with different airlines, its missed departure cover will cover costs of getting back on track if a delayed outgoing flight led you to miss a connection.
79%
out of 160 policies rated
Barclays' cover, which is open to Barclays current account holders, has some of the highest levels of cover for missed flights caused by delays: up to £10,000. Unlike with most policies, you can claim if your airline or holiday company goes bankrupt.
79%
out of 160 travel insurance policies rated
Covered2Go's Platinum policy includes up to £5,000 cover for baggage and personal belongings, and it doesn't apply excesses when you claim.
74%
out of 160 travel insurance policies rated
When choosing travel insurance, consider the number of foreign trips you'll make over the next 12 months, where you'll go and who with.
While travel insurance premiums haven't gone up as dramatically as car and home cover, costs appear to have been rising in recent years.
Take these average prices, shared with us by the comparison site Compare the Market:
| Age: 25-34 | Age: 55-64 | Age: 65-79 | |
|---|---|---|---|
| Single-trip cover - customers without pre-existing medical conditions | £21 | £32 | £49 |
Single-trip cover - customers with pre-existing medical conditions | £31 | £56 | £105 |
Multi-trip - customers without pre-existing medical conditions | £40 | £75 | £124 |
Multi-trip - customers with pre-existing medical conditions | £45 | £127 | £232 |
Source: Compare the Market - for travel customers selecting either single trip or multi-trip cover with or without pre-existing medical conditions. 51% of customers were quoted less than the prices stated between 8 October 2025 and 8 April 2026.
These are averages, and so you're likely to pay:
Whatever your situation, you can probably reduce costs by comparing travel insurance. An annual policy may work out cheaper if you travel multiple times a year.
Check Which? insurance ratings and compare deals using the service provided by Confused.com
Get a quoteYou should buy travel insurance on the same day you book your holiday.
One of the best features of travel insurance is that it covers you if you're unexpectedly forced to cancel the trip and stand to lose money as a result.
If you leave buying your insurance until the last minute, you won't benefit from this protection, even if some providers might make it slightly cheaper.
With this in mind, you should buy your insurance as soon as you book your holiday – unless you already have annual cover in place.
When you buy your holiday, whether that's through a traditional package provider or a budget airline, you're likely to be offered insurance at the same time.
But cover offered as an add-on to your trip is unlikely to be tailored to your needs and could be more expensive. Always check the wider market to see if you can get better cover for less.
If you do buy add-on insurance, make sure it covers any medical conditions that you have.
Some packaged bank accounts come with travel insurance as a sweetener - so if you have a packaged account, check whether cover is included.
If you do have travel insurance with your bank account, check its terms carefully and make sure it meets your needs. Does it cover you for trips outside Europe? Will it cover your medical conditions?
If it doesn't, call your bank to see if you can add the cover you need or look for a standalone policy that meets your needs.
You might also have some of your insurance needs met if you have personal possessions cover with your home contents insurance. These policies often protect things you carry on your person (such as gadgets or jewellery) around the world, from loss, damage or theft.
Yes, you still need travel insurance.
A Global Health Insurance Card (Ghic) – the replacement for the Ehic – is a medical card that can be used throughout the EU. It entitles you to treatment in state hospitals for the same price paid by the residents of the country you're visiting. If they get free treatment, so do you.
But it won't cover the costs of medical transportation (for example, ambulance bills or being flown back to the UK where medically needed), alongside costs of cancelling your holiday or returning early, replacing lost and stolen possessions, and many other things – that's what travel insurance is for.
Although it can be tempting to get the cheapest cover you can find, this could prove a false economy. Everyone's specific cover needs will be different but, as a starting point, we recommend looking for policies with these minimum levels of cover:
Many sports won't be covered as standard, such as skiing and snowboarding, so you'll need to get cover that includes this, or add it on for a fee.
Cruises require a special type of cruise insurance. If you're considering working abroad, or spending a couple of months abroad, you may need 'backpacker insurance'.
Check you're getting a great deal and search for a new travel insurance policy using the service provided by Confused.com. Get a quote now
We've assigned each travel insurance policy a policy score, reflecting how comprehensive the cover is overall.
It's important to remember, however, that travel insurance is complex – so even policies with high policy scores won't necessarily cover everything you're looking for. For a more detailed look at some of the larger and higher-scoring providers, see our individual travel insurer reviews.
While looking at our reviews, you can get a quote for travel insurance using the service provided by Confused.com.
You might be able to save by using multiple comparison sites.
Some insurers don't sell through comparison sites, including some specialist medical insurers.
Both the government's MoneyHelper website and the British Insurance Brokers Association have directories of specialist medical insurers.
An insurance broker can find affordable cover for unusual scenarios that most insurers won't cover.
Before you buy, check the policy wording to make sure you understand what your policy covers and what it doesn't.
If there are specific reasons you've bought the cover, check these sections to make sure they meet your expectations. Also check the policy's general exclusions and conditions. If anything in the policy is unclear, always contact the insurer.
Finally, check what protection your holiday provider offers, because if something goes wrong, you might need to seek compensation from it first before your insurer will accept your claim.
Dean Sobers, Which? insurance expert, says:
According to claims data published by industry regulator the Financial Conduct Authority, travel insurers are some of the least likely to pay out.
Roughly one in five travel insurance claims were declined in 2024 (the latest stats available). With most types of insurance, payout rates are above 90%.
Even if a policy appears to be brimming with features and high levels of cover on paper, it may be backed by an insurer that has a less-than-brilliant track record when it comes to honouring these apparent promises. When you claim, insurers can't technically add new exclusions or ignore commitments in their policy wording as they choose – but it's an unfortunate fact that some policies are less straightforward than others, and can prove disappointing when actually tested against the real world.
Our Best Buy endorsement primarily means the policy offers comprehensive levels of cover as written (you'll see a more detailed explanation as to what we mean by this below).
We also check the latest available data on how often the insurers accept claims and how regularly they lose when customers bring complaints to the Financial Ombudsman Service. We don't give our Best Buy badge to providers shown to be lacking when it comes to these aspects of their service.
The truth is that no policy is perfect, and no provider gets it right every time with claims. But when picking a Best Buy, you get the assurance that we think its cover looks genuinely impressive – and that we haven't seen evidence suggesting it fails to do in practice what it promises.
Our editorial independence means we are able to work on behalf of consumers, not insurers. That means our reviews are fair and there's no hidden agenda.
The policy score rates how comprehensive the cover is in a policy – the higher the better.
We've looked at 160 policies, examining 120 elements of cover in each one.
Policies are given points for each element of cover, reflecting how competitive their cover is compared with what other policies offer. The policy score shows how well the policy did overall.
Based on our assessment of which elements are more or less important for customers choosing and using travel insurance, we adjust the impact that points earned in each area have on the overall policy score.
Among the highest-weighted elements are medical expenses cover, cancellation cover and the compulsory excesses on the policy.
Our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis.
It doesn't reflect customer service. However, we do look at claims statistics published by the Financial Conduct Authority and complaints data from the Financial Ombudsman Service, where these are available. We won't give a Best Buy badge to providers shown to reject higher-than-average numbers of claims or that have a poor track record regarding complaints.
Policies named as Best Buys did well in our analysis of cover, with a policy score of at least 64%.
Additionally, Best Buy policies scored well consistently across different areas of cover. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the features we compare (see 'Policy score' for more).
Lastly, all Best Buy policies must provide – either as standard or as an option – the following levels of cover as a minimum:
Find the right policy for your holiday using the service provided by Confused.com
Get a quote now